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Specialist Fintech

Singular builds and operates specialist Fintech solutions.

Proprietary solutions and tailor-made software for lenders, wealth and asset managers, and employers.

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What we do

Build it. Operate it. Keep it simple.

Operating financial products can be complex. We simplify that complexity.

Build

Tailor-made solutions and proprietary platforms, designed around how your business actually works. Advisory and DevOps support to keep them moving.

Operate

When you would rather not run it yourself, our Ops teams can. We have a call centre, operate an exchange brokerage in South Africa and administer client schemes day to day.

Accelerate with AI

A documented, human-approved AI delivery process that helps us move faster without losing control of quality.

Platforms

Proprietary technology to simplify the complexity in investment, lending and employee rewards.

Each one solves a specific problem well. Use them on their own or together.

Investment data

STODAR

Takes trade and holdings data from many brokers, custodians and platforms, cleans and standardises it, and gives you one dependable record to report from. Capital gains tax reporting is part of the platform.

Explore STODAR →

Lending

Neolend

A lending platform for loans secured against an investor’s existing portfolio, arranged between investor and adviser.

Employee incentives

Total Rewards

Short-term and long-term incentives in one platform. STIMS manages short-term incentives, and ShareTrust administers long-term share schemes for multinationals across multiple jurisdictions and currencies. Our team can run the operations for you.

AI delivery

AI-SDLC

Our documented, agent-assisted software delivery process. Specialist agents handle each phase, and nothing moves on until a person has approved it. Use it through us, or have us help set it up for your own teams.

See how it works →

Platform · STODAR

Every feed in. One record out.

STODAR takes trade and holdings data from your brokers, custodians and platforms, cleans and standardises it, and gives you one dependable record to report from, including capital gains tax reporting. Your clients see a single, coherent picture, whoever the data came from.

Start a conversation See how it works

Illustrative feedsFiles and APIs in, one structure out

STODAR · The problem

Your data arrives in a dozen shapes. Your clients expect one answer.

Each broker and custodian sends transactions from its own system, in its own format. You cannot make them change, and the people who feel the errors are the ones reporting to clients.

Every source speaks differently

Columns, codes, date conventions and currencies vary from feed to feed. Someone has to make them line up before anything can be reported.

Errors travel downstream

Duplicates, reversals booked as new trades and one-off anomalies get into valuations, tax packs and client statements, where they become complaints.

Platforms flatten the detail

Many administration platforms summarise at fund level. Instrument-level detail for directly held shares gets lost or rebuilt by hand elsewhere.

What consolidation looks likeIllustrative data, fictional security

Three feeds, one trade

Source	Raw row
Broker A	BUY,EXMP,500,14/10/26,GBP
Broker B	B \| EXMP LN \| 500 \| 2026-10-14
Broker A	CANC,EXMP,-500,14/10/26,GBP	reversal
Broker A	BUY,EXMP,500,14/10/26,GBP	re-sent

One record

Date	Trade	Qty
2026-10-14	BUY EXMP	500

1 trade 3 duplicates removed

Reversal and re-send matched back to the original trade rather than counted as new activity.

STODAR · How it works

Bring everything into one structure, then serve everything from it.

STODAR sits behind your front-end and reporting systems as a single data layer. It does not ask your sources to change.

Step 1 · Ingest

Collect from every source

Flat files today, with API connections where sources offer them. Individual and corporate investor data, multi-currency.

Step 2 · Clean

Match and standardise

Duplicates, reversals and anomalies are resolved. Every source is mapped to one common structure.

Step 3 · Consolidate

Hold one trusted record

Instrument-level detail is kept in full, and a clean summary goes to any system that only needs the total.

Step 4 · Serve

Feed what depends on it

Client portals and valuation statements, tax and capital gains reporting, regulatory returns, management information and finance.

STODAR · Who it is for

For firms that own the data problem, and partners who want to solve it.

Buyers

Wealth managers, DFMs, platforms and administrators

If client reporting depends on data from several brokers or custodians, and someone spends time correcting it, STODAR is built for you.

Fewer manual fixes before statements and tax packs go out
One source of truth for reporting, MI and finance
Instrument-level detail without rebuilding your platform

Partners

Platform, reporting and technology providers

If your clients keep asking you to fix the data that feeds your product, STODAR can sit upstream and deliver a clean consolidated record into the systems you already run.

Offer clients a data layer without building one
Keep your platform, your interface and your client relationship
Integrate once instead of once per source

Usually owned byCTOHead of DataCOOHead of Platform

STODAR · Why now

UK deadlines and duties all lean on the same thing: reliable data.

None of these change how STODAR works. They change how much a weak data layer costs you.

Oct 2027

T+1 settlement

The UK moves to next-day settlement. Faster cycles leave less time to ingest, match and correct, so firms are being asked to test their processes well ahead of the switch.

3 of 4

Consumer Duty outcomes

Firms must evidence good client outcomes. Consolidated portfolio data supports the evidence behind products and services, consumer understanding and consumer support.

The FCA's roadmap extends consented data sharing into investments and pensions. Firms with clean, well-structured data will be better placed when it arrives.

STODAR · Built to do one job

Focused on investment data, and good at it.

In production: Running with live wealth and asset management clients, built around the hardest case: directly held share portfolios at instrument level.
Behind your systems: STODAR holds the detail and sends a single consolidated line, or the full record, to whichever system needs it.
Broad inputs: Multiple brokers, custodians and trading venues. Multi-currency. Individual and corporate investors.
Tax reporting included: Capital gains tax reporting is part of the platform and runs on the same clean, complete transaction history.

STODAR questions

What people ask first

Does it replace our platform or our reporting tools?

No. STODAR is a data layer that sits behind them. Your platform, portal and reporting tools stay as they are and receive cleaner data.

Do our brokers and custodians have to change what they send?

No. STODAR is designed to absorb each source in the format it already sends, so the work of standardising moves out of your team and out of your sources.

What can it ingest?

Today most sources arrive as file imports, and API connections are being added where sources support them. It handles multiple currencies and both individual and corporate investor data.

Does it cover tax reporting?

Yes. Capital gains tax reporting is part of STODAR. It runs on the same consolidated record, so the tax figures rest on data that has already been cleaned.

How do we start?

With a conversation about your sources, your reporting and where time is lost today. Use the contact form at the bottom of this page.

AI delivery

Faster delivery, with a person approving every stage.

Our AI-assisted process uses specialist agents for each phase of delivery. Nothing moves to the next phase until a person has signed it off.

Requirements

Turns your brief into a written specification.

You approve

Architecture

Records the design decisions and the reasons for them.

You approve

Planning

Breaks the work into stories with clear acceptance criteria.

You approve

Build

Implements each story against the agreed design.

Reviewed

Regression testing

Generates automated tests from the acceptance criteria.

Reviewed

We can also help your own teams set up a delivery process like this, fitted to your platforms and governance.

About

Business-first technology people.

Singular was established in 2002. Our UK team focuses on operational challenges and works to bring together the people, processes and technology involved.

LondonJohannesburgCape Town

Observe and learn: We make sure we understand your business and your objectives before proposing anything.
Build relationships: We work with the stakeholders who live with the problem to understand their challenges.
Design simply: Solutions and processes shaped by business understanding, empathy and ownership.
Around 200 people: A group of about 200 across our three offices, with a specialist team in the UK.

Company news

Singular builds and operates specialist Fintech solutions.

Build it. Operate it. Keep it simple.

Build

Operate

Accelerate with AI

Proprietary technology to simplify the complexity in investment, lending and employee rewards.

STODAR

Neolend

Total Rewards

AI-SDLC

Every feed in. One record out.

Your data arrives in a dozen shapes. Your clients expect one answer.

Every source speaks differently

Errors travel downstream

Platforms flatten the detail

Three feeds, one trade

One record

Bring everything into one structure, then serve everything from it.

Collect from every source

Match and standardise

Hold one trusted record

Feed what depends on it

For firms that own the data problem, and partners who want to solve it.

Wealth managers, DFMs, platforms and administrators

Platform, reporting and technology providers

UK deadlines and duties all lean on the same thing: reliable data.

T+1 settlement

Consumer Duty outcomes

Open Finance

Focused on investment data, and good at it.

What people ask first

Faster delivery, with a person approving every stage.

Requirements

Architecture

Planning

Build

Regression testing

Business-first technology people.

Talk to us.